Indian Overseas Bank share price
NSE: IOBBSE: 532388BanksMid Cap
Share price at the NSE close on 28 Oct 2026. Previous close ₹29.18.
28 Oct: open ₹29.18, high ₹29.26, low ₹28.66
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹55,883 Cr163rd largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 8.39
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 1.39
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 17.9%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. For the whole group. Net interest margin in the glossary
- 3.17%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 1.19%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 0.16%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company. Common equity tier 1 ratio in the glossary
- 16.26%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. For the whole group. Return on assets in the glossary
- 1.25%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 29,40,30738.5% delivered
About Indian Overseas Bank
Indian Overseas Bank is a public sector bank, run from its central office in Chennai, that takes deposits and lends across India.123 It offers personal, corporate, agricultural and rural, and MSME (micro, small and medium enterprise) banking, as well as foreign exchange and government business.4 Its brand franchise is in South India, particularly Tamil Nadu, and outside India it has branches in Singapore, Hong Kong, Bangkok and Colombo.56
It was founded on 10 Feb 1937 by M. Ct. M. Chidambaram Chettiar and was one of 14 major banks nationalised in 1969.5 It is not a company but a body corporate under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, regulated by the Reserve Bank of India.7 It made an initial public offer of shares in 2000 and a follow-on public offer in 2003, and in 2021 the Reserve Bank of India took it out of its prompt corrective action framework (restrictions placed on weak banks).8
It has sponsored Odisha Grameen Bank, a regional rural bank (a government-backed bank serving rural areas).910 India International Bank (Malaysia), a joint venture of Bank of Baroda, the bank and Union Bank of India, is being voluntarily wound up; by the end of December 2025 the bank had realised the entire book value of its investment, and no longer counts it as a joint venture.11 It had 21,034 employees at the end of March 2026.12 The Government of India, its promoter, held 92.44% of its shares at the end of June 2026.1314
Indian Overseas Bank key points
Results
- In the quarter to Jun 2026, net profit was ₹1,659 crore, the bank's highest for a quarter, against ₹1,111 crore a year earlier, up 49.32%; operating profit was ₹2,693 crore, up 14.21%.15
- Net interest income (interest earned minus interest paid) was ₹3,688 crore in the quarter, against ₹2,746 crore a year earlier, up 34.30%; the global net interest margin (that income as a share of earning assets) was 3.37%, against 3.25% in the quarter to Mar 2026.161718
- In the year to Mar 2026, consolidated net profit was ₹5,418.47 crore, against ₹3,395.51 crore a year earlier. On a standalone basis, net profit was ₹5,208 crore, up 56.16% and the bank's highest ever, and the board recommended no dividend.192021
Asset quality and capital
- Gross non-performing assets (NPAs, loans whose borrowers have stopped paying) were 1.33% of advances at the end of June 2026, against 1.97% a year earlier, and net NPAs, after provisions, 0.18%, against 0.32%.22
- The provision coverage ratio (money set aside against bad loans), counting loans written off in its books, was 97.67% at the end of June 2026, and 86.29% without them; slippage (loans newly turned bad) was 0.06% of loans, against 0.10% a year earlier.232425
- Its capital adequacy ratio (capital as a share of risk-weighted assets) was 19.36% at the end of June 2026, against a regulatory requirement of 11.50%.26
- Management said on 20 Jul 2026 it had provided ₹2,150 crore of an estimated ₹3,000 crore needed under expected-credit-loss rules (provisioning for likely future losses).27
Business segments
- Consolidated revenue by business segment28
Item year to Mar 2026 year to Mar 2025 Retail banking, including digital banking ₹16,847.24 crore ₹14,313.87 crore Corporate and wholesale banking ₹11,036.61 crore ₹10,067.48 crore Treasury ₹9,096.13 crore ₹7,991.43 crore Other banking operations ₹613.95 crore ₹640.60 crore
Loan book and deposits
- At the end of June 2026, deposits were ₹3,76,193 crore, up 13.72% from a year earlier, and advances ₹3,22,132 crore, up 22.75%.29
- Current and savings account deposits (CASA, which usually cost a bank less) were ₹1,54,415 crore at the end of June 2026, up 6.61%, and 41.05% of deposits.30
- Domestic advances by sector, end of June 202631Retail, agriculture and MSME loans together were 81.21% of total advances including overseas, against 73.39% a year earlier.
Item quarter to Jun 2026 quarter to Jun 2025 Agriculture ₹1,12,403 crore ₹76,548 crore Retail ₹96,637 crore ₹70,803 crore MSME ₹52,554 crore ₹45,246 crore Corporate and others ₹44,405 crore ₹51,450 crore
Branches and reach
- At the end of June 2026 it had 3,691 ATMs and cash recyclers and 13,401 business correspondents (agents offering basic banking for it), against 3,461 and 10,872 a year earlier.32
- Domestic branches by area, end of June 20263334It had 3,494 domestic branches at the end of March 2026, against 3,335 a year earlier.
Item quarter to Jun 2026 Semi-urban 1,103 (31%) Rural 959 (27%) Metro 740 (21%) Urban 720 (21%)
What the company expects
- On its earnings call of 20 Jul 2026, the company said it intends to grow both its assets and its liabilities by at least 13% to 14%.35
- On its earnings call of 20 Jul 2026, the company said it expects a net interest margin of around 3.3% to 3.40%. It expects return on assets (profit as a share of assets) of 1.4% to 1.5% for the foreseeable 2 to 3 quarters.36
- On its earnings call of 20 Jul 2026, the company said it expects credit cost (provisions for bad loans as a share of loans) of around 0.35% to 0.40% for the year to Mar 2027.37
- On its earnings call of 20 Jul 2026, the company said its board had approved raising ₹5,000 crore of capital; subject to statutory approvals and market conditions, it plans to raise it in one or more tranches in the half year to Mar 2027.3839
Recent events
- On 19 Oct 2026, SEBI approved its issue of up to 10,00,00,000 shares to eligible employees under an employee stock purchase scheme, as a way to meet the minimum public shareholding rule (the share a listed company must have in public hands).40
- On 5 Oct 2026, India Ratings upgraded its issuer rating and Basel III Tier II bonds (bonds that count towards a bank's regulatory capital) to AA+ from AA, and changed the outlook (the agency's view of where the rating may move) from Positive to Stable.41
- On 1 Jun 2026, the International Financial Services Centres Authority licensed it to set up a banking unit at GIFT City in Gujarat.42
Last updated
All 44 sources, each with its page
- 1. Annual report, 11 Jun 2026, page 341
- 2. Annual report, 11 Jun 2026, page 1
- 3. Annual report, 11 Jun 2026, page 340
- 4. Annual report, 11 Jun 2026, page 345
- 5. Annual report, 11 Jun 2026, page 409
- 6. Annual report, 11 Jun 2026, page 411
- 7. Annual report, 11 Jun 2026, page 450
- 8. Annual report, 11 Jun 2026, page 344
- 9. Annual report, 11 Jun 2026, page 409
- 10. Annual report, 11 Jun 2026, page 428
- 11. Annual report, 11 Jun 2026, page 411
- 12. Annual report, 11 Jun 2026, page 437
- 13. Annual report, 11 Jun 2026, page 468
- 14. Investor presentation, 20 Jul 2026, page 27
- 15. Earnings call, 20 Jul 2026, page 3
- 16. Investor presentation, 20 Jul 2026, page 5
- 17. Earnings call, 20 Jul 2026, page 5
- 18. Earnings call, 20 Jul 2026, page 4
- 19. Annual report, 11 Jun 2026, page 595
- 20. Annual report, 11 Jun 2026, page 406
- 21. Annual report, 11 Jun 2026, page 406
- 22. Earnings call, 20 Jul 2026, page 4
- 23. Earnings call, 20 Jul 2026, page 3
- 24. Investor presentation, 20 Jul 2026, page 21
- 25. Earnings call, 20 Jul 2026, page 4
- 26. Earnings call, 20 Jul 2026, page 4
- 27. Earnings call, 20 Jul 2026, page 6
- 28. Annual report, 11 Jun 2026, page 595
- 29. Earnings call, 20 Jul 2026, page 3
- 30. Earnings call, 20 Jul 2026, page 3
- 31. Investor presentation, 20 Jul 2026, page 14
- 32. Investor presentation, 20 Jul 2026, page 26
- 33. Investor presentation, 20 Jul 2026, page 26
- 34. Annual report, 11 Jun 2026, page 406
- 35. Earnings call, 20 Jul 2026, page 13
- 36. Earnings call, 20 Jul 2026, page 11
- 37. Earnings call, 20 Jul 2026, page 13
- 38. Earnings call, 20 Jul 2026, page 7
- 39. Earnings call, 20 Jul 2026, page 13
- 40. Exchange filing, 20 Oct 2026, page 1
- 41. Exchange filing, 5 Oct 2026, page 1
- 42. Exchange filing, 2 Jun 2026, page 1
- 43. Exchange filing, 27 Mar 2026, page 1
- 44. Exchange filing, 27 Mar 2026, page 3
Results
Standalone, as consolidated accounts are on record for only 5 of the last ten years; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.Indian Overseas Bank quarterly results
- Total income growth, 12 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +14.2%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +51.3%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹10,428 Crdown 4.66%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹1,912 Crup 15.26%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 8,409 | 9,215 | 8,866 | 9,214 | 9,672 | 9,780 | 10,938 | 10,428 |
| Net profit | 874 | 1,051 | 1,111 | 1,226 | 1,365 | 1,505 | 1,659 | 1,912 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹37,532 Crup 11.45%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹5,208 Crup 56.18%
Total income by year
Net profit by year, a loss in red
- Net profit
- Loss
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 23,091 | 21,662 | 21,838 | 20,712 | 22,525 | 21,633 | 23,509 | 29,706 | 33,676 | 37,532 |
| Net profit | −3,417 | −6,299 | −3,738 | −8,527 | 831 | 1,710 | 4,957 | 2,656 | 3,335 | 5,208 |
Business segments
Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit
- Retail BankingRetail Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹16,847 Crup 17.70%44.8%
- Corporate/Wholesale BankingCorporate/Wholesale Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹11,037 Crup 9.63%29.4%
- Treasury OperationsTreasury Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹9,096 Crup 13.82%24.2%
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹614 Crdown 4.16%1.6%
Valuation
Today, against the company's own history. Dividend yield is not shown: no dividend in the years on record.Indian Overseas Bank PE ratio and valuation
At or below today's level on 0.1% of 1,004 trading days over the last 5 years.
At or below today's level on 1% of 1,239 trading days over the last 5 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −19.5% | +53.4% | −47.5% | 0.0% |
| 3 years | +11.8% | +1.0% | +10.7% | 0.0% |
| 5 years | +14.4% | +39.6% | −18.0% | 0.0% |
Mutual fund holdings
70 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 35 of the 35 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 70 funds holding Indian Overseas Bank
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 4
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 31
- AddedAdded. Funds that held more shares than at the end of the month before.
- 13
- CutCut. Funds that held fewer shares than at the end of the month before.
- 22
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 18
| Fund | |||
|---|---|---|---|
| 1,67,37,266 | 1.32% | ₹51.8 Cr | |
| 1,06,05,401 | 1.32% | ₹32.8 Cr | |
| 61,05,135 | 1.32% | ₹18.9 Cr | |
| 14,82,841 | 1.38% | ₹4.60 Cr | |
| 14,37,575 | 0.11% | ₹4.45 Cr | |
| 13,80,454 | 0.11% | ₹4.27 Cr | |
| 9,66,949 | 0.11% | ₹2.99 Cr | |
| 6,53,749 | 0.11% | ₹2.02 Cr | |
| 5,08,619 | 1.38% | ₹1.58 Cr | |
| 5,05,082 | 1.32% | ₹1.56 Cr |
Promoter and insider buying and selling
Trades made since 28 Oct 2025.Indian Overseas Bank insider trading
- Promoters and promoter group0 purchases, 1 saleNo purchase₹418 CrNetNet. The value bought on the market less the value sold, over the trades whose filers stated a value.−₹418 Cr
Indian Overseas Bank competitors and peers
Public Sector Bank, 12 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to Indian Overseas Bank in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1,19,883 | – | 0.72 | +2.7% | – | – | 0.98% | 2.83% | 3.67% | |
| 1,13,118 | 8.56 | 1.30 | +12.4% | +17.2% | 16.1% | 1.25% | 3.07% | 2.17% | |
| 1,06,870 | 5.24 | 0.83 | −6.8% | +17.7% | 16.8% | 0.99% | 2.21% | 3.56% | |
| 61,494 | 7.68 | 1.65 | +16.6% | +31.5% | 23.3% | 1.76% | 3.83% | 2.75% | |
| 60,505 | 4.84 | 0.64 | +9.1% | +29.7% | 14.1% | 0.92% | 2.47% | 3.50% | |
| 27,712 | 9.29 | 0.80 | +4.4% | +18.4% | 8.9% | 0.73% | 2.89% | 1.99% | |
| 26,186 | 5.43 | 0.63 | +8.3% | +5.2% | 12.0% | 0.88% | 2.99% | 2.77% | |
| 13,283 | 8.85 | 0.91 | +3.2% | +29.6% | 10.7% | 0.78% | 2.46% | 2.08% |
Dividends
Per share, by the year it was paid for, and the latest payments.Indian Overseas Bank dividend history
| Ex-date | Type | Per share |
|---|---|---|
| 19 Jun 2014 | Final | ₹0.50 |
| 10 Feb 2014 | Interim | ₹0.70 |
| 20 Jun 2013 | Final | ₹2.00 |
| 21 Jun 2012 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹4.50 |
| 4 Jul 2011 | Final | ₹5.00 |
| 26 May 2010 | Final | ₹3.50 |
Latest announcements
Routine notices left out.Indian Overseas Bank announcements
Oct 2026
26 Oct · Updates
26 Oct · Business
26 Oct · Results
24 Oct · General Updates
Indian Overseas Bank share price by year
Each calendar year to 2025.Indian Overseas Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 36.13 | −30.2% | 53.77 | 33.84 |
| 2024 | 51.76 | +19.5% | 79.65 | 42.70 |
| 2023 | 43.30 | +34.9% | 48.40 | 21.10 |
| 2022 | 32.10 | +57.7% | 34.75 | 15.35 |
| 2021 | 20.35 | +90.2% | 28.05 | 10.35 |
| 2020 | 10.70 | −5.3% | 13.10 | 6.70 |
| 2019 | 11.30 | −24.4% | 15.20 | 9.20 |
| 2018 | 14.95 | −32.4% | 24.15 | 11.55 |
| 2017 | 22.10 | −8.9% | 31.50 | 22.05 |
| 2016 | 24.25 | −21.9% | 31.95 | 22.70 |
Recent sessions
The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 27 Oct 2026 | 30.00 | 30.22 | 29.01 | 29.18 | 29.60 | 60,20,011 | 45.9% |
| 26 Oct 2026 | 28.82 | 30.52 | 28.32 | 30.38 | 29.83 | 1,74,80,680 | 14.4% |
| 23 Oct 2026 | 29.86 | 30.10 | 28.42 | 28.68 | 28.91 | 45,42,066 | 45.1% |
| 22 Oct 2026 | 30.39 | 30.44 | 29.72 | 29.86 | 29.95 | 26,70,717 | 53.3% |
| 21 Oct 2026 | 30.71 | 30.94 | 30.13 | 30.39 | 30.48 | 16,42,541 | 42.5% |
| 19 Oct 2026 | 31.00 | 31.50 | 30.61 | 30.71 | 30.97 | 24,79,843 | 41.0% |
| 16 Oct 2026 | 30.97 | 31.10 | 30.58 | 30.99 | 30.84 | 15,48,903 | 52.1% |
| 15 Oct 2026 | 31.65 | 32.40 | 30.51 | 30.74 | 31.38 | 52,86,409 | 31.3% |
| 14 Oct 2026 | 30.80 | 31.42 | 30.60 | 31.31 | 31.20 | 36,11,579 | 37.9% |
Company details
- NSE symbol
- IOB
- BSE code
- 532388
- ISIN
- INE565A01014
- Industry
- Banks
- Website
- www.iob.in
- Registered office
- 763, Anna Salai, Chennai 600002, Tamil Nadu
- Share registrar
- Cameo Corporate Services Ltd
- Keeps the register of shareholders and handles transfers and dividend payments